NEO PAY and Biz2X Unite to Revolutionise UAE SME Financing

Editorial Team

Last updated 12-11-2025

3 min

NEO PAY partners with Biz2X to revolutionise SME financing in the UAE.

Their collaboration integrates AI-driven credit assessments within NEO PAY’s ecosystem for faster loan approvals.

This aims to create a fairer financial environment, offering tailored loans based on transaction data.

For lenders, the setup reduces acquisition costs and risks by pre-filtering applications with AI.

The partnership offers flexibility, enabling repayment terms that align with a business's income cycles.

When NEO PAY revealed its new partnership with Biz2X, it felt like another piece falling neatly into place for the UAE’s growing fintech puzzle. The tie-up between the region’s digital payments heavyweight and the AI-powered global lending platform isn’t just tech-for-tech’s-sake—it’s about shaking up how small and medium-sized enterprises (SMEs) get the cash they need to run and grow.

By weaving Biz2X’s intelligent credit engine directly into NEO PAY’s ecosystem, the collaboration promises businesses a smoother, faster route to finance. We’re talking about real-time credit assessments and tailored loans that match an SME’s cash flow, all handled within NEO PAY’s platform. No running between banks or endless form-filling—a bit of a faff that most small business owners know far too well.

Vibhor Mundhada, NEO PAY’s CEO, pointed out that this move is all about creating a fairer and more dynamic financial environment for local enterprises. He said the partnership will “transform how small businesses access capital,” marrying NEO PAY’s transaction data with Biz2X’s smart lending tools. On paper, that means loan decisions in hours rather than weeks. And, if things go as planned, approvals could land in as little as two days. Quite a turnaround compared to the traditional route.

From the lender’s side, it’s a pretty clever setup. They’ll get access to verified merchants with robust sales data—a goldmine for assessing creditworthiness. The big draw? Lower acquisition costs and reduced risk, as Biz2X’s AI filters out unqualified applications long before any human steps in.

Rohit Arora, the co-founder and CEO of Biz2X, expressed confidence that combining forces with NEO PAY would make credit “more frictionless” for the UAE’s entrepreneurs. You can see why they’d be chuffed to bits: their AI platform already supports over $30 billion in SME lending globally, so bringing that expertise into the Gulf market feels like a natural progression.

For merchants, this development could genuinely change the game. Flexible repayment terms will now bend around a business’s income cycles, rather than the other way around. And believe it or not, those little tweaks often make the difference between steady growth and sleepless nights—at least from what I’ve seen coaching startups through Arageek’s network.

I reckon this kind of embedded finance is exactly what the UAE ecosystem’s been waiting for. It’s spot on for a market where agility means survival. That said, implementation will be key—tech promises are one thing, but consistent delivery is another. Still, NEO PAY has form when it comes to scaling digital services, and if all goes to plan, this could be a defining moment for SME finance in the region.

NEO PAY’s next steps will likely determine how quickly embedded finance takes hold locally. For now, though, this partnership offers SMEs tangible relief—and perhaps a glimpse into how the future of business banking will look, powered by data, AI, and a good dose of practical ingenuity. It’s definately a story worth following.

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